FinanceBanks

How much is the amount of the insured deposit in banks?

Before opening a deposit with a bank, you need to make sure that the organization is part of the deposit insurance system (CER). The main idea of the program is to make quick payments to customers from an independent source (fund) in the event of a license revocation. So, even before the liquidation procedures begin, depositors receive their funds back. International experience shows that such a system increases the level of customer confidence and reduces the costs of overcoming crisis phenomena.

In which banks deposits are insured

In Russia, this procedure is governed by the same law and does not require the conclusion of an additional contract. In order to manage the system in 2004, a special state organization, the Deposit Insurance Agency (DIA), was established. It is engaged in the formation of the register of depositors and the issuance of savings. Banks whose contributions are insured by the state: Sberbank, VTB (24), Gazprom, Alfa, Bank of Moscow, UniCredit, Promsvyaz, MDM, Raiffeisen, Binbank, Citibank, etc. This list also includes 840 large and small financial organizations.

The amount of the insured deposit in banks from 2015 is 1.4 million rubles. It includes funds of individuals (from 01.01.2014 - IP), placed in the form of time deposits on demand, on cards (feed credit) and on accounts. At the same time, institutions must be registered on the territory of the Russian Federation. The state does not provide:

- funds on unnamed metal accounts;

- deposits to bearer;

- funds transferred to trust management;

- deposits in foreign branches of the bank;

- money transfers that are made without opening an account.

The amount of the insured deposit in banks: the concept

The contributions of Russians to credit institutions are protected by the state. Since the creation of the DIA and until 31.12.2014 the amount of the insured deposit in banks was 700 thousand rubles. Per customer. Since the current year, this figure has been doubled. This means that if customers have several deposits opened in different branches of the same credit institution, then the total amount of savings taking into account interest is taken into account. In the event of a revocation of a license, only deposits in the amount of 1.4 million rubles shall be returned from the bank. Deposits that exceed this figure are not compensated. The payment of insurance amounts is handled by the DIA.

Banks, whose deposits are insured by the state, pay a certain percentage of the funds raised to the guarantor. These revenues, as well as the amounts received from the Central Bank, are used to pay off debt to depositors in the event of a license revocation.

Danger

Deposits attracted in any currency fall under security. But more secure deposits in rubles are considered. In case of devaluation of the national currency, deposits in dollars, euros and pounds begin to grow. ASV pays a deposit only in rubles, and at the rate of the Bank of Russia on the date of revocation of the license from the credit institution. There are two dangers here. First: with a strong devaluation, the value of a deposit in rubles may exceed the state guaranteed. Then the depositor will not get his savings at all. Second: losses can be formed because of the large gap between the official and market exchange rates.

Algorithm of actions

The CER comes into force after the license is revoked from the bank. After that, depositors can apply to the DIA with a demand to return the deposit. In this case, you need to provide:

  • statement;
  • A document certifying the right of claim for the heirs, or a power of attorney.

The DIA must issue to the client an extract from the register with a list of the bank's obligations to it. The funds are paid in 3 working days provided that more than two weeks have elapsed since the license was withdrawn. If the amount of compensation does not suit the former depositor, he can write an appropriate application to the DIA. To the paper you need to attach a list of documents confirming the right to receive a higher payment.

Reform of CERs

In the first 9 months of 2014, 40 credit institutions have not checked with the Central Bank, including Bank Trust. Deposits are insured by the state in these organizations for a total of 212 billion rubles. The volume of DIA funds for the year decreased from 237 billion rubles to 154 billion rubles. Most of all stood out Mosoblbank, which was cheaper to sanitize than to restore the consequences of liquidation. Reduction of the volumes accumulated on average by 1% in small and medium banks, began to disturb regulators.

State credit institutions occupy leading positions in the rating by the volume of attracted funds. Large backbone banks are forced to pay for insurance deposits in distressed banks. There are several ways out of this situation.

First. Banks, whose deposits are insured by the state, pay 0.1% of the amount of borrowed funds on a monthly basis. The question of differentiating this rate is considered. But this will require a change in legislation and will cause a lot of controversy.

Second. At the moment, the state guarantees the amount of the insured deposit in banks in the amount of 1.4 million. There is an offer to limit not only the volume, but also the number of payments for one depositor for deposits opened in all rehabilitated banks.

The third. Renounce insurance of interest on deposits. This scheme operated in 2006-2007. This will benefit the owners of deposits in foreign currency.

Similar articles

 

 

 

 

Trending Now

 

 

 

 

Newest

Copyright © 2018 en.birmiss.com. Theme powered by WordPress.